Restaurant Programs of America (RPA), the trusted insurance partner to restaurants throughout the United States, is now part of Gallagher, enriching our industry portfolio with leading restaurant insurance expertise.

For over 40 years, RPA has honed their insurance and risk management practice dedicated to restaurants of all types. They have built relationships with leading carriers that enables them to design custom and cost-effective risk management programs for customers – whether they own or lease or are a single location to multi-state locations. RPA’s customer-centric approach to looking at the total cost of risk, combined with Gallagher CORE360TM strategy, is an ideal match.

RPA and ICC are clear leaders in the restaurant insurance space, a focus which fits well with our niche strategy.
J. Patrick Gallagher, Chairman, President and CEO

Restaurant insurance programs and tools designed for all restaurant types

We design restaurant insurance programs and restaurant liability insurance programs for restaurants to thrive. We analyze your losses, look for gaps, and design customized risk management programs – always looking to protect the restaurant’s bottom line and contractual obligations.

Specialized restaurant insurance programs have been created for the following types of restaurants including:

  • Fine dining insurance. Fine dining restaurants have needs different from other restaurants. From carrying delicate meats and seafood to exclusive wines, we understand the nuances of spoilage coverage and liquor liability.
  • Casual dining restaurant insurance. Casual dining restaurants can have many different offerings. Some may serve liquor while others might have BYOB. We work with you and understand these details to ensure you have a comprehensive insurance program that manages to your bottom line.
  • Quick Service / Fast food restaurant insurance. Having essential coverages from general insurance coverage to liability insurance coverage, that includes product liability insurance and premises liability insurance coverage, can minimize your risk. We work with you to save money and protect your fast food restaurant.

Tools designed and developed exclusively for restaurants of every size and type include:

  • Safety and training platform. Created to educate and train restaurant employees on everything from greeting customers to kitchen safety, helping restaurants create a safe environment and minimize losses.
  • Certificates of Insurance Tracking. Designed to reduce the administrative burden and track the certificates of insurance securely in one place. 

Evolving restaurant risk management

In 2020, the restaurant industry has had to pivot constantly with ever-changing local, state and national guidelines with COVID-19. Gallagher has been there every step of the way as many restaurants have had to change their service models from in-room dining to carry-out and delivery. We have worked with customers to ensure their policies can meet these new service and risks.

Awards and Recognition

A 13-time honoree on Ethisphere Institute's list of World's Most Ethical Companies®.

We scored 100% on the Human Rights Campaign Foundation's 2022 Corporate Equality Index for the fourth consecutive year.

Forbes lists Gallagher as one of America's Best Large Employers 2023.

There are errors that require your attention

Contact us by phone at (800) 605-4655 or complete the form below.


We or our group of companies may also send you details of the products and services of our group companies.

By submitting this form, you acknowledge that you have read and understand the Privacy Policy and that you have read, understand and agree to the Terms of Use.

Related Products and Services